Travel Insurance with Medical Conditions

Have you ever been quoted ridiculously expensive travel insurance as soon as you mention a medical condition? At Insurancewith, we help all customers, including those experiencing serious illnesses such as cancer and heart disease or more manageable conditions including diabetes and asthma.

We believe everyone deserves to travel. That’s why our medical travel insurance looks at the actual risk, rather than the perceived one, to give you affordable cover. We don’t add hidden medical exclusions or make commission on your medical premium because we don’t believe anyone should pay more than necessary for the right cover.

There’s already plenty to plan when you’re travelling abroad with a medical condition – transport, accommodation and packing, so why make securing insurance for your holiday more difficult than it needs to be? We take a common-sense approach to travel insurance for medical conditions.

Rated 9.6/10 on Trustpilot

From, over 3003 customer reviews

Why do you need medical travel insurance?

You’re not alone if you’ve left it until the last minute to get cover, we’ve all been there. But travel insurance is important, especially if you have a medical condition. Should something happen, getting the right medical care can cost thousands. We’ll cover:

Ambulance costs

Hospital admissions

Any emergency treatment

Your flights home

Cancellation of accommodation

These costs can escalate quickly and the last thing you want is to be left with a huge bill. We hope everyone enjoys their travels without any hiccup. But if something unpredictable happens, we’ll be there to help.

Our insurance won’t just cover you while you’re away – in many cases, it’ll cover you for cancellation before you go too. We understand things can go wrong before you head off, so it’s worthwhile getting insurance as soon as you’ve booked.

Getting travel insurance that covers medical conditions

No policy is the same. But you should always disclose medical conditions which you’re taking medication or receiving treatment for. We don’t like calling them pre-existing medical conditions (as we don’t think the term is especially clear), but that’s what you’ll see them referred to as. Many insurers will also charge you more than necessary because there’s a misconception about the risks involved. They’ll pigeon-hole you into set price brackets because of these pre-existing conditions.

We do things a bit differently – we ask for more information on your personal experience and medical history. That way, we’re able to make it relevant to you, to offer fair and affordable premiums for everyone looking for travel insurance with a medical condition.

Not only could other insurers charge you a lot more, there could be medical cover exclusions or limits imposed on you. That’s not how we think travel should be – your holidays should be spent doing the things you love.

To ensure you can enjoy stress-free holidays with our policies, we offer the following benefits:

Industry and customer consultation. Working with medical specialists, charities and our customers, we’ve refined our policies and procedures to make sure they’re not just fit for purpose but that they exceed your expectations.

Access to an emergency medical helpline – 24 hours a day, 7 days a week. We understand falling ill abroad can be stressful. That’s why we’ve made sure you can get in touch with an experienced medical assistance team at any time, day or night.

Personal experience of medical conditions. At Insurancewith, many of our policies have been created by people who have experienced the same conditions we cover. We don’t just make sure your medical situation is accurately assessed and that the premium we provide is fair and affordable, we also offer you better support in an emergency abroad.

Bespoke medical screening. Allowing us to look at the actual risk, we can secure much better prices for you by adopting this common-sense approach to medical travel cover.

Medical travel insurance for all trips. Whether you’re travelling for a short time or you’re heading off on an international trip, we can arrange the right levels of cover. We offer both single trip and multi-trip policies.

How our medical screening works

We’ve worked hard to make sure our insurance premiums reflect the real risk of medical conditions. Using our bespoke Protectif Medical Risk Rating software, we can get a thorough understanding of your specific situation. It’s one of the industry’s closest things to a personally-underwritten travel insurance policy.

The medical declaration is part of our online quote process. You’ll be asked what medications you take and sent through to a set of specialist questions relevant to your condition. This’ll allow you to declare the necessary details and receive a tailored quote based on our assessment. You can do this all online or call us if you prefer.

If you do decide to call, all medical declarations are carried out by a team of trained professionals. We understand these questions can seem invasive, so we will always treat you sensitively and like a human being. There’s no pressure to rush through questions; we take the time to understand your situation and to ensure you have the right cover in place for your trip.

What medical conditions are covered?

We’re experts in covering medical conditions, with more than 5,000 medical conditions in our screening database. If you’re looking for travel insurance for the medical conditions below or any others, contact us or get a quote online.

Why choose Insurancewith?

Our common-sense approach to medical travel cover has been recognised by industry peers and customers alike. We want to make it easier for more people to travel. Many of those we’ve helped talk about how they’d almost given up with the idea of getting away. We understand that getting away and knowing you’re protected should something unexpected occur has a real impact.

When you get specialist medical travel insurance from us, you’ll benefit from:

Award-winning medical travel cover

Discounts for couples, families and single parent families

14-day cooling off period

Cancellation cover of up to £5,000

Optional wintersports cover

Cruise extensions

All our benefits revolve around you getting abroad with less hassle. We’re one of the only travel insurance companies to provide high levels of cover for medical, disability or mobility equipment. This includes:

If you’ve been diagnosed, needed any treatment, medication, consultation or follow-up then we would need you to declare this to us as part of the online quote process. You need to disclose these details – even if you think they don’t affect your daily life.

If you decide to cancel the trip after being diagnosed with a new medical condition, you’ll need to provide evidence from your doctor stating you’re not fit to travel. You should then be covered under the cancellation clause of your policy.

However, if you decide to go ahead with the trip as planned, you must bear in mind that things do get a little more complicated. You should remember, we may not be able to pay any claims when anyone has travelled:

Against the advice of a doctor

If they know they’ll need treatment while on the holiday

If they are awaiting test results or treatment

If you travel under any of the circumstances above, your insurance may become void if you need to make a claim.

In this situation you would need to provide evidence from your doctor that you’re unfit to take a trip. As long as this related to a brand new condition or a condition which we had accepted cover for in writing, we will be able to consider your claim and refund your pre-paid trip costs

Yes, Insurancewith will consider offering cover for any terminal condition. You will need to go through the online quote process or give us a call to allow us to assess your individual situation and provide you with a policy.

Yes, you can. You don’t have to call us if you don’t want to and can complete the online form from the comfort of your own home. Simply answer the questions honestly and to the best of your knowledge – you can always speak to your GP or medical practice if necessary to get a little extra information.